Terms of Service

By accessing or using the services provided by XCA Management Pty Ltd ("we", "our", or "us"), including our website and any related tools or communications (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before proceeding.

If you do not agree to these Terms, you must not access or use our Services. We reserve the right to update these Terms at any time, and your continued use of the Services following any changes constitutes your acceptance of the revised Terms.

To use our Services, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into a binding agreement;
• Qualify as a wholesale investor under the Corporations Act 2001 (Cth); and
• Not be prohibited from using financial services under any applicable law or regulation.

We reserve the right to refuse access to our Services to any person at our sole discretion, including where we are unable to verify your eligibility or where we determine that providing Services to you would be unlawful.

XCA Management Pty Ltd (AFSL No. 431183) provides fund management services to wholesale investors, which may include but are not limited to:

• Management of property investment funds;
• Non-bank lending fund management;
• Investor communications and fund reporting; and
• General information about our investment funds and lending activities.

XCA Management does not operate a client login portal or online investor platform. All investor communications and fund administration are conducted directly by our team. We may modify, suspend, or discontinue any aspect of the Services at any time with reasonable notice where practicable.

XCA Management does not provide personal financial advice. All information and content provided through our Services — including this website, fund documents, and any communications — is general in nature only and does not take into account your individual financial situation, objectives, or needs.

Nothing on this website or in any of our materials constitutes a recommendation, solicitation, or offer to buy or sell any financial product. You should always obtain independent financial, legal, and tax advice from a licensed professional before making any investment decision.

Past performance of any investment is not a reliable indicator of future performance. All investments carry risk, including the possible loss of principal.

XCA Management does not provide a client login, investor portal, or online account management facility. We do not collect or store login credentials for investors.

All investor enquiries, fund applications, and ongoing communications are handled directly by our team. If you wish to make an enquiry or obtain information about our funds, please contact us using the details provided on our Contact page.

Our fee schedule is set out in the relevant Product Disclosure Statement ("PDS") for each fund. By investing in any XCA Management fund, you acknowledge and agree to the fees and charges described in the applicable PDS.

We reserve the right to amend our fees with reasonable prior notice in accordance with the terms of the relevant fund documents.

You are responsible for any taxes, levies, or duties applicable to your investment. We do not provide tax advice and recommend you consult a qualified tax professional.

You agree not to use our Services to:

• Engage in any unlawful activity or breach any applicable law or regulation;
• Transmit any malicious code, viruses, or disruptive software to our systems;
• Attempt to gain unauthorised access to our systems or data;
• Use automated tools, bots, or scripts to access or scrape our Services without our prior written consent;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity; or
• Engage in any conduct that could damage our reputation or the integrity of financial markets.

All content, trademarks, logos, and materials made available through our Services are the property of XCA Management Pty Ltd or our licensors and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our Services for your personal, non-commercial purposes in accordance with these Terms. You must not reproduce, distribute, modify, create derivative works from, or commercially exploit any part of our Services without our prior written consent.

To the maximum extent permitted by law, XCA Management Pty Ltd and its directors, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services, including but not limited to:

• Investment losses or financial losses of any kind;
• Loss of data, profits, revenue, or business opportunity;
• Service interruptions, errors, or inaccuracies in information; or
• Reliance on general information that does not constitute personal financial advice.

Nothing in these Terms excludes liability for fraud, wilful misconduct, or any liability that cannot be excluded under applicable law, including the Australian Consumer Law.

You agree to indemnify, defend, and hold harmless XCA Management Pty Ltd and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the Services;
• Your breach of these Terms;
• Your violation of any applicable law or regulation; or
• Any third-party claim arising from your conduct.

We may suspend or terminate your access to the Services immediately and without notice if:

• You breach any provision of these Terms;
• We are required to do so by law or a regulatory authority;
• We reasonably suspect fraudulent or unlawful activity; or
• Continuing to provide Services to you would expose us to legal or regulatory risk.

Provisions of these Terms that by their nature should survive termination (including intellectual property, limitation of liability, and indemnification) will continue to apply.

These Terms are governed by and construed in accordance with the laws of Queensland, Australia, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms or the Services will first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved within 30 days, it will be referred to mediation before either party may commence legal proceedings.

You agree to submit to the exclusive jurisdiction of the courts of Queensland, Australia for the resolution of any disputes that cannot be resolved through negotiation or mediation.

Entire Agreement: These Terms, together with the relevant fund PDS and Privacy Policy, constitute the entire agreement between you and XCA Management Pty Ltd with respect to the Services and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

If you have any questions about these Terms of Service, please contact us: